I'm late to the party but only have my story to tell... I was working at a tire store / auto service center years ago and my specialty was installing those car phones that had a huge transceiver under a seat, etc... Textile mill covered a bunch of Sulzer looms with plastic and laid off my wife only 2 months after she made the final loan payment on a 79 Monte Carlo. I dropped the collision coverage to save a coin or 3 (my stoopid move). She went across town to sign up for unemployment and totaled that car on her way home. Only accident that was her fault (her stoopid move).